There are 3 main aspects that travel insurance products should cover. A. Baggage B. Medical C. Cancel/Interruption/Delays.

Baggage is to make sure that if your bags don’t arrive when you do, you can do something about it besides pout. If your bags are “lost” and will be delayed more than 12 hours, the insurance kicks in – go on a shopping spree at the cute hotel boutique and pick-up that swim suit and a toothbrush to get you by! And in the un-likely scenario where your bags don’t ever make it home, you have coverage for re-imbursement of lost goods available. Now that makes the 1st day a little less stressful doesn’t it?

Medical – Even if you have medical coverage here, many policies will not cover you out of the continental US. Be sure to check with your provider for details. If something terrible were to happen to you or your new spouse, there is a 24/7 hotline to speak with and advocate to help you find help, understand what is happening, and pay for parts of your medical needs. There is even coverage for evacuation back home if necessary.

Delays and interruptions are common in travel for various reasons. If your plane is delayed over 6 or more hours, you can get a stipend for food/shelter you were not expecting to need until travel can begin. If you missed the boat so to speak because you were heading for a cruise due to a delay, there is coverage to help you catch up to the next port and begin your fun! Hurricanes happen, and we hope it never finds out what island you are on, but if it does, insurance is there to assist you too.

Cancelling, we are hoping never has to happen. It may be a mom or dad gets really sick and the wedding is post-poned. It might be that, well, it just did not work out after all for the two of you. Cancel for any reason allows you to do so and get reimbursed for any non-refundable costs as long as you cancel 48 hour ahead of departure. That is much funner than honeymooning solo.

There are several large companies that you can purchase insurance through, including your travel agent. Visit this site for more detailed info on specific coverage options. Make sure you insure yourself a less-stress honeymoon by making the small investment in travel insurance for your plans – you will be happy you did!

The average honeymoon lasts 5 to 7 days and the average cost is $4000. This is a good reference point when starting to plan your budget. The following should help you get started on planning , setting your budget & what direction to head for your dream honeymoon!

Start with how long do you have to honeymoon after the wedding week. Do you have out of town guests that you need to entertain after the wedding date? Can you leave Sunday or Monday? When do you need to return (typically to get back to the real world and work)?

When is your big day? Travel has peak seasons where prices are significantly higher than other times of year including spring break and the Christmas holiday season. You will need a bigger budget during these timeframes vs. other times for the same location & resort!

Do you want to leave the country?  It is necessary at this point to have a passport to fly – First time applications are $75 Plus a processing fee.

Are you a 3-star or 5-star property person? Is it important that your room have a view of the ocean or OK to be garden view?  Do you plan to sit on the beach all day or venture out on excursions daily? Will you need a rental car where you are going or can you get a shuttle from the airport? All these components will affect your budget.

If you are on a tight budget or want to know in advance just how much a trip will cost, All-Inclusive options are a great choice! A-Is are available throughout the Caribbean and Mexico. Your stay, food, beverages, gratuities, taxes & many on-property activities including snorkeling are included in your price upfront! No worries about how much your spending while on vacation – you have already got it covered!

Travel insurance is a must for honeymooners. The cost for such coverage is minimal compared to having to buy replacement air tickets, new wardrobes for lost baggage or needing medical care wherever you are! The fee will vary with your age, length of stay and cost of trip.  A cancel for any reason policy (also a good idea!) for a couple under 30 years old for the average honeymoon is $298 or less.

DYIs -  please be careful if booking on-line specials. These are typically run-of-house rooms – meaning poor view or last of the lot. Often the airfare is not a great itinerary costing you time that can be avoided. If they have oversold the property you may get bumped to a property you’ve not even heard of let alone researched! This is your special day, don’t save a buck and cause your honeymoon to be memorable for the wrong reasons.